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Specific Injury Cover

Insurance that pays a lump sum if you or a key person sustains one of the covered injuries as a result of an accident.

Why do you need Specific Injury Cover?

Accidents can happen at any time, and the injuries sustained by you or a key person could vary from minor to major. However, the impact on your business could be severe, especially if it meant either of you couldn’t work or had to take time off. This cover can help minimise the financial impact on the business.

You’ll receive a lump sum and it’s your choice how you use the money.

Specific Injury Cover can help fill in gaps that other insurance doesn’t cover, or where ACC might not pay out.

Offsets do not apply to any benefits paid under Specific Injury Cover, giving you more certainty at claim time. Specific Injury Cover can only be selected along with at least one of the following on the same policy:

  • Life Cover with a minimum sum insured of $100,000
  • Monthly Disability Cover or Start-up Monthly Disability Cover with a minimum sum insured of $1,500 per month.
    For Monthly Disability Variable Cover, this will be based on the average monthly sum insured over 12 months.
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The benefit we pay

We’ll pay a lump sum that is a multiple of  the Specific Injury Cover sum insured. How much we multiply the sum insured by depends on the injury the life assured suffers.
 

For more information on the range of injuries covered under the Specific Injury Cover Benefit and how much we’ll pay for each, download the brochure.

 

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FAQs

  • Intentional self-harm including attempted suicide
  • Taking part in a criminal activity
  • If you don’t survive for at least 14 days after suffering the injury.
Chubb Life Stories Play icon
The Chubb Life difference

Chubb Life Stories

In February 2023, Martynas (Marty) Sinkus, a young contract milk farmer crushed his thumb in a hydraulic post driver and was rushed to Dunedin hospital to have surgery. Marty and his wife Nuki work very hard to keep their business running, so the injury was potentially devastating to their livelihood.

Watch the video to find out how Chubb Life Assurance Extra Business, Specific Injury cover helped Marty and Nuki’s business continuity and recovery.

Is Assurance Extra Business for me?
Is Assurance Extra Business for me?

Find the right cover


To make sure you choose the right cover for your needs, you'll need the help of a qualified Financial Adviser. We can connect you with an Adviser near you.

Leave your details and someone will give you a call for a quick, no-obligation chat about your personal insurance needs.
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Other Cover options

Premium Cover

Insurance that pays your policy premiums if you, or a key person in your business, become disabled and are unable to work.

Find out more

Life Cover

Insurance that pays a lump sum if you or a key person dies or is diagnosed with a terminal illness.

Find out more

Trauma Cover

Insurance that pays a lump sum if you or a key person gets a defined illness or condition for the first time.

Find out more

Your insurance is underwritten by Chubb Life Insurance New Zealand Limited (Chubb Life). Chubb Life has an A (Excellent) financial strength rating given by A.M. Best Company Inc. A summary of the rating scale is: A++, A+ Superior | A, A- Excellent | B++, B+ Good | B, B- Fair | C++, C+ Marginal | C, C- Weak | D Poor | E Under Regulatory Supervision | F In Liquidation | S Suspended. For the full rating scale and more rating information visit www.ambest.com/ratings/guide.pdf